SAI Impact Estimator: project your appeal's dollar range

The formula, simplified. We compute the federal Student Aid Index (SAI) at your prior income and at your current income, take the difference (the "SAI delta"), and project that to an annual aid impact range.

1. Adjusted Available Income (AAI) = your income minus the federal Income Protection Allowance for your family size. The IPA covers basic living expenses; only income above it is "available" for college costs. For 2026-27 the parent IPA runs from $29,190 at a family size of 2 to $61,930 at a family size of 6, plus $6,990 for each additional member.
2. SAI = the federal assessment of AAI, a bracketed schedule that runs from 22% to 47% as AAI rises. AAI can be negative, and so can the resulting SAI, but a calculated SAI below -$1,500 is replaced with -$1,500.
3. SAI delta = SAI at prior income − SAI at current income.
4. Aid range = 0.5× to 1.0× the SAI delta. The lower end assumes only Pell Grant and state aid react to your new SAI. The upper end represents the dollar-for-dollar response common at full-need-met institutional schools.

What this estimate doesn't capture.

• Independent students. This tool models only the dependent-student formula (Formula A), the one built on parent income and the parent Income Protection Allowance. Independent students are assessed under Formula B or Formula C, which use different allowances and, for a student with no dependents other than a spouse, a flat 50% assessment rather than the bracketed schedule. If you are independent, do not rely on this number.
• Modeled tax + employment allowances of the full federal SAI formula (they're roughly linear in income and don't move the delta meaningfully)
• Asset-based contributions (parent + student assets, asset-protection allowance)
• The student's own contribution from income and assets, which is added to the parent contribution to produce the final SAI
• CSS Profile-specific methodology used by some private institutions
• School-specific institutional aid policies

Why we don't ask how many are in college. Under the FAFSA Simplification Act, the number of family members in college no longer divides the parent contribution. The old EFC divisor was eliminated outright, and number in college is not part of the SAI calculation or the Pell eligibility tests, which key off family size and income instead. It is still collected on the FAFSA, and some schools use it for their own institutional aid, but because it changes nothing in the federal formula this estimator does not ask for it.

Sources:

• 2026-27 Student Aid Index (SAI) and Pell Grant Eligibility Guide (PDF), Table A2 (Income Protection Allowance) and Table A5 (Parents' Contribution from Adjusted Available Income). These are the two published tables this estimator uses.
• FSA Handbook 2026-27 AVG, Ch. 3, SAI and Pell eligibility
• studentaid.gov — Pell Grant maximums
• studentaid.gov — Professional Judgment overview
• Mark Kantrowitz's published research on need-based aid responsiveness — the 0.5×–1.0× SAI-to-aid sensitivity range is an industry-standard heuristic

This is an estimate, not a guarantee. Actual aid decisions are made by each school's financial aid office on a case-by-case basis. Outcomes vary widely. Not legal or financial advice.